 One of the other things that comes up a lot is failing to offer specific and personalized advice. One size fits all, everybody goes into the same portfolio, everybody gets the same recommendations, and not everybody's the same, everybody's different. You come in, your circumstance is different than anybody else's circumstance who come in to visit with us, and so you want your plan to be customized to your specific circumstances, not to the guy that lives next door to you.